| Processor | Role | Typical location |
|---|---|---|
| Supabase | Auth, database, storage, edge functions | Oceania (Sydney) |
| Mailgun | Transactional and recovery email | US / EU as configured |
| Intercom | In-app and web support chat (creditor-facing) | US / EU (workspace region) |
| Microsoft Clarity | Session recordings, heatmaps, and product analytics | US / Microsoft regions |
| Twilio | SMS, voice, recordings | US and other Twilio regions |
| Vapi | Voice AI (where enabled) | US (typical) |
| OpenAI | Drafts, extraction, classification | US |
| Cohere | Classification (where configured) | US / other Cohere regions |
| Airwallex | Subscription and usage billing | AU / HK / other Airwallex entities |
| Vercel | Application hosting and web analytics | US and other Vercel regions |
| Cloudflare | Bot checks on public forms (Turnstile); DNS and CDN where configured | Global Cloudflare network |
| Google Analytics | Website analytics, restricted to service improvement | US |
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